MANULIFE-S：ManulifeFinancialCorporationManagement'sDiscussion&AnalysisfortheyearendedDecember31,2019.pdf

1、Manulife Financial CorporationManagements Discussion&AnalysisFor the year ended December 31,2019Caution regarding forward-looking statementsFrom time to time,Manulife Financial Corporation(“MFC”)makes written and/or oral forward-looking statements,including in thisdocument.In addition,our representa

2、tives may make forward-looking statements orally to analysts,investors,the media and others.All such statements are made pursuant to the“safe harbour”provisions of Canadian provincial securities laws and the U.S.PrivateSecurities Litigation Reform Act of 1995.The forward-looking statements in this d

3、ocument include,but are not limited to,statements with respect to the Companys strategicpriorities and 2022 targets for net promoter score,employee engagement,its highest potential businesses,expense efficiency andportfolio optimization,and also relate to,among other things,our objectives,goals,stra

4、tegies,intentions,plans,beliefs,expectationsand estimates,and can generally be identified by the use of words such as“may”,“will”,“could”,“should”,“would”,“likely”,“suspect”,“outlook”,“expect”,“intend”,“estimate”,“anticipate”,“believe”,“plan”,“forecast”,“objective”,“seek”,“aim”,“continue”,“goal”,“re

5、store”,“embark”and“endeavour”(or the negative thereof)and words and expressions of similar import,and include statements concerning possible or assumed future results.Although we believe that the expectations reflected in suchforward-looking statements are reasonable,such statements involve risks an

6、d uncertainties,and undue reliance should not be placedon such statements and they should not be interpreted as confirming market or analysts expectations in any way.Certain material factors or assumptions are applied in making forward-looking statements and actual results may differ materiallyfrom